Table of Content
- Home Depot Consumer Credit Card
- Pro Xtra Commercial Revolving Charge Card
- What Kind of Credit Is Required for the Home Depot Credit Card?
- You won't want to carry a balance
- How can I get my Home Depot Credit Card late fee waived?
- Where Can I Use My Home Depot Credit Card?
- Credit Card Paperless Statements and E-Communications Authorization
In addition, you receive up to one year extended warranty benefit and zero liability protection. Depending on your creditworthiness, the Home Depot Consumer Credit Card can come with a hefty APR, which can become a nuisance if you regularly carry a balance. Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. For comparison, the average APR for accounts that incurred interest in 2018 was 16.04%. Tim Parker has been a financial journalist for 11+ years, serving some of the largest and best-known media outlets in the world and earned a masters degree in educational leadership from the University of Cincinnati. Tim enjoys researching and sharing his knowledge on the topics of banking, retirement and medicare through his writing.
If you want to request a paper copy of these disclosures you can call The Home Depot® Consumer Credit Card at and we will mail them to you at no charge. Make your User ID and Password different from the Security Word you provided when you applied for your card.
Home Depot Consumer Credit Card
Even if you don't take advantage of the deferred interest offer, you'll want to avoid carrying a balance from month to month. As with many store-branded credit cards, the ongoing interest rate can be quite high. The requirements for the Home Depot card are not laid out, but note, the credit requirements are generally more lenient for store cards versus regular credit cards.
There is no annual fee for this card and it does not have any usage restrictions such as in-store or online purchase. When applying for the Home Depot Project Loan Mastercard, you’ll need to request a specific estimate of costs to complete your home project. As a best practice, you’ll want to only request what you’ll need to finish the project. Offers $25 off purchases of $25 to $299, $50 purchases of $300 to $999, or $100 off purchases of $1,000 or more. A plain vanilla card is a basic credit card with no perks and few or no fees. I agree to receive my billing statements and other legal notices electronically as available.
Pro Xtra Commercial Revolving Charge Card
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What Kind of Credit Is Required for the Home Depot Credit Card?
We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. Of course, not all credit cards are created equal--or for everyone’s needs. Depending on whether you want cashback for using the credit card, accumulating travel points that can make your next vacation as fun as possible, or luxurious sign-on bonuses ... Cardholders also enjoy rotating exclusive offers, such as 10% off a certain brand for a limited time, or 24-month financing offers during special promotions.
While this credit card doesn’t come with any rewards to earn, it enables the cardholder to earn a few valuable perks and offers special financing for items at Home Depot. If you’re planning a large renovation or building project, Home Depot has a project loan credit card with credit lines of up to $55,000. This card comes with no annual fees, up to 84 months to pay the balance in full, and a six-month buying window to purchase products. Is a store card, meaning it can’t be used outside of Home Depot. Home Depot offers a variety of credit cards, including consumer cards and company cards.
Although you can apply for a Home Depot card in stores, the easier way is to visit their website. Assuming you meet the credit requirements, Home Depot’s credit issuer, Citibank, will issue a card within 10 days. Home Depot does not list the credit requirements, but its APR for consumers will be 17.99% to 26.99% To apply, the process is rather easy, which can be done online. To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements. Opinions expressed here are the author’s and/or WalletHub editors'.
Prequalification or preapproval are not guarantees of approval for any credit card or loan. A commercial account does allow for authorized users to make charges to the card on behalf of your business by issuing buyer ID cards to each user. Employers can also set spending limits and receive detailed spending info to keep track of all purchases made. Though payments must be made in full within 60 days of purchases made on this card, there is an offer to receive a 2% early pay discount as long as payment is made online within 20 days of purchase. Users can also optimize payment plans by itemizing all invoices.
In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency. Review the specific loan agreement to verify your annual percentage rate , as the APR you receive will be based on your creditworthiness. This means that instead of requiring collateral to finance the loan, only your creditworthiness is considered, weighing your FICO score, debt ratio, the reasons you need the loan, and a variety of other factors.
However, there are many other credit cards available for qualified applicants that offer better rewards benefits and unrestricted spending. Still, the Home Depot Project Loan card may be useful if you’re focused on completing a big project and expect to have the funds in the allotted time frame. The Home Depot credit card does not offer any cash back or related rewards.
